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Here are ways to save money on your insurance:

Stick With Yearly Policies:
Choosing a yearly policy can extend your savings on your car insurance. Purchasing a yearly policy instead of a six month policy gives you a rate that cannot be changed for one year vs. changing every six months.

Lower Liability, Comprehensive, Collision, or Medical Payments Coverages: Of course, you can lower your basic coverages but it may just give you cheap insurance with less coverage that you might need if you are ever involved in an accident. Be careful about lowering your coverages and only do so if necessary. Comprehensive and collision are probably the first place you can look at saving by increasing your deductibles. Most vehicles that are on bank loans can have up to a $1000 deductible. Next, lowering your liability and medical payments could help, but only if you are having a hard time paying for your premiums and is not recommended for general savings.

Make EFT Payments:
Many car insurance companies are now charging high fees for mailing payments, but sometimes will charge nothing if you choose to have payments automatically deducted. And, sometimes the deductions can come from your credit card, so you don't have to worry if the money will be in your bank account when payment time comes.

Avoid Higher Rating Vehicles. For a Cheaper Car Insurance Quote Stay Away From The Following:

  • Vehicles With a Lot of Horsepower
  • Sports Cars
  • High Performance Vehicles
  • Luxury Vehicles
  • Vehicles With Added Technology Features
  • Large SUV's
  • Very Small Vehicles
  • Vehicles With a High Theft History

    Ask for a Multiple Car Discount: Did you know sometimes insuring two cars can be the same price as insuring one? If not the same price, insuring another car usually does not cost as much as you may think. If you have two cars, it is very wise to check with your insurance agent, or while obtaining your online insurance quote, to make sure you can get this discount on your car insurance.

    Combine Auto and Home or Renter's Policies: Most insurance companies give a discount if you carry your auto and home or renter's policy with the same company. This discount can be anywhere from 5%-20%!

    Watch Your Credit Rating: Another great tip to get cheap car insurance - keep your credit clean! Yes, a lot of insurance companies are checking your credit and basing your policy on what is found. Make sure you check to see if your credit is in good shape, and if it is not, you may want to seek out companies who do not do credit checks. ACF Insurance has options for good credit and not-so-good credit.

    If you have prior insurance, make sure you tell us!
    There are many clients who do not want to disclose who they are currently insured with. You should always tell your agent if you have a current policy because you may get a very nice discount for having prior insurance.

    Always ask about available discounts! It never hurts to ask and you may be surprised of the available savings out there.

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